Buggyone: Given the number of state laws, court decisions and Golf club policy you will get a variey of answers on both sides. Generally speaking however, the law favors the golfer, unless he or she has committed some omission/comission out of the ordinary.
The Villages does advertise that people should not trespass. Frankly they do not want to get involved in these sort of disputes.
My neighbor had his window broken and the golfer did not have the courtsey to at least apologize. I have heard many golfers comment that homeowners on a golf course deserve what they get. It is sad and disrespectful. so essentially I do agree with you concerning the ethics issue.
finally most Homeowner policies include a Property Damage section that usully pays up to $500 for damage to property caused by the person responsibility irrespective of liability. So a golfer doing damage should stop and share information with the homeowner. By the way such claims normally have no affect against their policy.
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